You still don't understand. YOU did this to yourself because you don't understand how this works. Maybe this is your first experience?
You ATTEMPTED to make a purchase, i.e., the charge was legitimate.
Ecoworthy put in your card number and your BANK declined it as fraudulent, so it was rejected real-time.
You are splitting hairs. YOU initiated the purchase. It was a valid purchase attempt. It was not fraudulent. YOU attempted to make the purchase in question. By saying "NO," the bank concluded the attempt to make a purchase at Ecoworth was NOT by you and was thus fraudulent.
Had you said, "I attempted to make the purchase, but it was declined," then the bank would have concluded the purchase was valid, and your next attempt would have succeeded.
He is 1000% right. You are 1000% wrong.